Philosophy Credit Hours: Life credits hours: Many. Credit hours
  paid for by my mother and the government and years of low-wage
  jobs? 0. I did child psychology and programming in college.
  Never finished that either. Wanted to though, but student loan
  rules weren't in our family's favor at that time. Such is as it
  is. But if this is seen as lowering my input value relative to
  those with them, I'm ok with that. I mean, you or somebody paid
  for those hours. Money should count for something, right?